The government of Pennsylvania has not created a property disclosure form in any language but English.

Attic insulation is one of those things that I am not sure how much practical effect there is, I only add attic insulation whenever the government subsidizes the cost, and after it's done I don't see any cost saving in my utilities bills (student rentals). 

Here is the breakdown: origination charges, appraisal, title fees ($4.3K), taxes and other government fees ($4.7K), prepaids including insurance, interest, taxes ($2.9K), initial escrow payments ($1.8K), other including realtor admin fee and owner's title insurance ($500).3.

Government Programs and SubsidiesYou might qualify for programs that offer incentives, especially if you're investing in areas targeted for development or revitalization.

You have to realize that these companies get their information from government records that can be very old.

I seem to remember lots of threads on this site during a government shutdown that weren’t receiving rent. 

But what type of loanA PML typically doesn’t do owner occupiedFor OO, banks right to government standards so they can sell the loans to the governmentA private money lender underwrites to their or if they have a line from a lender will underwrite to their covenants

The CRE lending market is expected to recover gradually, with opportunities emerging as interest rates stabilize and maturing loans drive new borrowing activity.Some regional banks are certainly struggling while others are consolidating in bid to become national powerhouses.Revised CRE Lending Projections2024: 26% growth to $539 billion (down from previous 34% growth forecast)2025: 23% growth to $665 billion (slightly lowered from 24%)Multifamily Sector Adjustments2023: $246 billion (49% drop from 2022)2024: 21% growth to $297 billion2025: 31% growth to $390 billionMarket FactorsRecent moderation in interest ratesSignificant number of loans maturing soonProperty owners hesitant, hoping for further rate decreasesUncertainty persists in the market, particularly regarding interest rates and property owner behavior.

Most people outside the profession don’t understand the time and capital it takes to make a project come to fruition.Before a single piece of equipment touches the ground, there are years of government meetings, environmental and site assessments, engineering studies, etc.Each step requires significant time, effort, and capital investment.But when done right, it creates a ton of value and transforms communities, which is why I love it.

I'd hardly call this an example of out of control government.